I was charged 29.95$ on My Visa account once in September and the other in October by AP9 Privacy Protection for services I never gave my approbation for.
While on the internet I saw their add for free credit report and started filling up their questionnaire, when realizing there were charges, I simply quitted without giving any authorization and when a month or two later I checked my Visa I saw thoses charges.
I called them and I see to-day that they credited me an amount of 29.95 only.
This is a company which is supposed to protect you from frauds!!!